Products and Services

Ongoing Projects

* Since BDS officially started only last July, 2005, all of the projects are on its pilot phase.

1. Printing Press
   BDS Printing press was established mainly to have a cost-efficient BDS Center that can deliver professionalized services to its internal clients. From its current operation, there was an estimated savings of 30% from the MRI’s previous cost. Under this project, the photocopying machine was also centralized.

2. Solar
   This project counter the needs of “unelectrified” barangays to have access to electricity via solar energy. Solar Home System Loans is a BDS product made available to CARD (stockholders) and Non CARD clients at Oriental Mindoro. The program operates in coordination and partnership with Shell Solar Philippines. The marketing and promotional aspect of the business is handled by Shell Solar Philippines while BDS handles the financing side. From 13 months of operation, as of February 2007, 120 clients have availed this service. Because of this solar energy, the clients with businesses can extend their working hours and the children can study longer.

3. Housing
   This is a BDS product window that caters the housing needs of CARD’s selected clients. The loaned money is for related housing purposes usage such as land acquisition, building constructions and improvement. This product is in line with CARD’s Social Mission in promoting decent housing conditions to live in, wherein CARD Members who are stockholders are its primary beneficiaries.

4. Bulk sourcing / Distribution system
   The usual practice of the clients with SSS especially those, which are located in the remote areas, are to pick up the goods in the wholesalers or supermarkets (usually located in the center of the municipality, wherein they shoulder the transportation cost) and then, pay it on a cash basis. In this way, BDS aims to facilitate easier distribution with the end goal of lowering the cost per unit input and delivering it in their respective SSS the soonest time possible. The anticipated effect of this service will be community based touching the basic needs of different individual. As of today, this project was on its 8th months of operation at Oriental Mindoro. The clients have very much appreciated the service being provided because of the following reasons;

   1. they have the choice to get the goods on a one-week;
   2. lessens their transportation cost and
   3. lower cost.

   In addition, BDS have made indirect impact within the community, these are;

   1. the other rolling stores tend to take note of the prices and terms of CARD-BDS rolling cargo, therefore lowering the selling price of the other existing market players,
   2. created potential sub sector players in the market, wherein two of the beneficiaries tend to facilitate the orders of the other Sari-Sari Store in her community (in which most of this are also members of CARD only they are located outside the route of distribution)
   3. the other distributors continuously communicate with CARD-BDS and propose different promos and
   4. created forward and backward linkaging, the other producers (which are also CARD clients/members,) in the area were encouraged to deliver and distribute their produce in the bulk sourcing project of SSS.

5. Customized Business Services (CBS)
   Customized Business Services is a BDS product that was offered exclusively to CARD MRI’s Matured Clients (those which has an asset size of P300,000 and above (e.g. require to surrender TCT title for land, this will serve as collateral), with an existing business and is income generating, with revolving capital of P100,000 to P300,000, business have the potential of generating employment within her community with 5 to 15 workers and has various areas of operation (optional, depending on the size of the business). The product’s aim is to improve the clients business by providing in depth technical assistance such as Credit Linkage, Business Management training, Market Linkage and Information. The recipients of the service would be on selective basis. BDS will work in coordination with the NGO / Bank Branches for they will be the key endorser of the selected clients.

6. Hapinoy
   Hapinoy store will have a unified look and aura. Each store will still be owned by the member but they will be trained with operating systems that will eventually help them manage their stores more efficiently and effectively. The key is that discipline borrowers can be empowered and in the long run; develop a sustainable and viable business model. This will be the biggest sari sari store chain in the Philippines. This is the concept where microentrepreneurs will have to come up together to adopt the semi “franchise” model in order to upgrade / enhance the variety stores thereby increasing profit.
   BDS have set an agreement with Microventures Inc. (a fully integrated Advocacy Marketing company) with this Hapinoy concept. Microventures Inc. have specialization with Advocacy Development and Consumer Marketing with extensive experience in both disciplines. Its resources and services are anchored firmly on knowledge, capabilities and the reputation of its partners built on years of experience with leading civil society advocates and consumer marketing companies. Hapinoy is a BDS product that will be initially offered to CARD clients with Sari sari stores. The product’s aim is to improve the clients business by providing the following benefits to Hapinoy members;

1. Access to Additional Loan – Hapinoy store member clients can borrow a Hapinoy Loan Package. This is one of the key benefits and can be considered as one of the most important needs of Sari sari store owners.

   Hapinoy Package

1. 2. Store Makeover – Hapinoy stores will have a standardized look and design. This store makeover will greatly improve the appearance and look of the store, attracting more customers and thus generating additional income.

   3. Promotions to Partner Centers Hapinoy Partner centers are identified Supermarkets and Groceries wherein Hapinoy members can purchase their selling stocks.

   4. Sari-Sariskwela – The Hapinoy members can also avail of Free Training under the Hapinoy Sari sariskwela. Examples of such trainings are: Sari sari Daily Operations Guide, Financial Management, Assortment Recommendations, Simple Inventory Management, Visual Merchandising, Pricing Recommendations and Customer Service. These trainings are considered as special sessions and can be offered every 3 months in specified venues. Aside from that, special cascades and sessions will be coursed through a monthly Hapinoy members meeting which immediately follows a center meeting. A monthly newsletter called Hapinews will also circulate every 2 to 3 months.

As of September, 2007, the partner companies of the program are: Marca Pina, Nestle, Colgate Palmolive, Rebisco, Oishi, Unilever, Century Pacific and SMART.

For updated news and info about Hapinoy - please refer to this website - www.hapinoy.com




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